PATRIOT NATIONAL BANCORP INC
For the period ended Dec 31, 2024. Filed Apr 15, 2025.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2024 · Filed Apr 15, 2025
PNBK$0.88+4.5%Stored close · as of Nov 9, 2026
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Table of Contents
PATRIOT NATIONAL BANCORP, INC.
ANNUAL REPORT ON FORM 10-K
For the Year Ended December 31, 2024
TABLE OF CONTENTS
| “Safe Harbor” Statement Under Private Securities Litigation Reform Act of 1995 | 1 |
|---|---|
| PART I | 2 |
| ITEM 1. Business | 2 |
| ITEM 1A. Risk Factors | 7 |
| ITEM 1B. Unresolved Staff Comments | 15 |
| ITEM 1C. Cybersecurity | 15 |
| ITEM 2. Properties | 17 |
| ITEM 3. Legal Proceedings | 17 |
| ITEM 4. Mine Safety Disclosures | 17 |
| PART II | 18 |
| ITEM 5. Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities | 18 |
| ITEM 6.[Reserved] | 19 |
| ITEM 7. Management’s Discussion and Analysis - Financial Condition & Results of Operations | 19 |
| ITEM 7A. Quantitative and Qualitative Disclosures about Market Risk | 39 |
| ITEM 8. Financial Statements and Supplementary Data | 41 |
| ITEM 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 108 |
| ITEM 9A. Controls and Procedures | 109 |
| ITEM 9B. Other Information | 110 |
| ITEM 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 110 |
| PART III | 111 |
| ITEM 10. Directors, Executive Officers and Corporate Governance | 111 |
| ITEM 11. Executive Compensation | 116 |
| ITEM 12. Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters | 119 |
| ITEM 13. Certain Relationships and Related Transactions, and Director Independence | 121 |
| ITEM 14. Principal Accountant Fees and Services | 121 |
| Part IV | 123 |
| ITEM 15. Exhibits and Financial Statement Schedules | 123 |
| SIGNATURES | 125 |
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